Credit Analyst - Johannesburg
12 hours ago
Job description
Requisition and Specialist Recruiter DetailsREQ Twanette Coetser
Closing Date - 2 March 2026
Location and Cluster
Business and Commercial Banking - Commercial Underwriting
135 Rivonia, Gauteng
Career Stream
Credit Management
Leadership Pipeline
Manage Self:
Professional
Credit Analyst - Agric
Job Purpose
To manage and maintain risk adjusted pricing and risk ratings in terms of Basel requirements as well as enable value based management and continued implementation of the Internal Ratings Based Approach within investment banking.
Credit Policy & Complex Lending Management
Align with the bank's credit policy while managing complex credit lending solutions for large corporate clients.
Prepare and recommend credit applications involving structured finance, syndicated loans, and multi-tiered facilities within approved parameters.
Assess credit risk by analysing financial statements, debt repayment history, earnings, and corporate purchasing behaviour.
Recommend appropriate credit terms and structures, including bespoke facilities, covenant packages, and risk mitigants.
Evaluate the financial status of large corporations to determine risk levels using advanced financial modelling and stress testing.
Apply financial ratios, industry benchmarks, and sector-specific metrics to assess cash flow adequacy and repayment capacity.
Recommend credit limits and structures in line with internal lending policies and regulatory frameworks.
Monitor credit reports and portfolio performance to identify emerging risks and ensure compliance with Basel and IRB standards.
Measure compliance, identify breaches, and escalate risk concerns with actionable recommendations.
Obtain and verify updated financial information to support ongoing credit reviews and condition signoffs.
Ensure appropriate security and collateral structures are in place for complex lending transactions.
Meet Nedbank Group Rating requirements by conducting thorough account reviews and identifying credit deterioration.
Monitor daily excess reports to identify clients exceeding approved limits and initiate corrective actions.
Risk-rate clients using internal risk systems and assess financial positions in line with IRB methodology.
Client Relationship & Service Management
Deliver high-quality service by understanding the unique needs of large corporate clients and responding with tailored credit solutions.
Enhance client satisfaction by sharing insights and developing the capabilities of the client service team and stakeholders.
Build strong relationships with internal stakeholders by participating in deal forums and supporting strategic initiatives.
Maintain robust external client relationships by understanding their industries, capital structures, and strategic goals.
Collaborate with other bank divisions (e.g., treasury, legal, risk) to structure and execute complex deals.
Provide accurate and timely information to stakeholders by maintaining deep product and policy knowledge.
Personal & Team Development
Stay informed on regulatory changes, industry trends, and market developments affecting corporate credit.
Demonstrate Nedbank's values and vision in all stakeholder interactions.
Pursue continuous learning through training, certifications, and career development initiatives.
Foster a collaborative team environment through clear communication and role alignment.
Process Improvement & Corporate Responsibility
Identify opportunities to enhance credit processes, systems, and policies for complex lending.
Support transformation and culture-building initiatives aligned with Nedbank's strategic goals.
Participate in corporate social responsibility programs that align with business and community objectives.
Requirements
Minimum 3 years' experience in credit analysis focused on assessing the creditworthiness of large corporate clients, particularly within complex lending environments such as structured finance, syndicated loans, or multi-tiered facilities.
Minimum 3 years' experience in business or corporate banking, with a strong track record of evaluating detailed financial statements and credit reports to determine a client's ability to meet debt obligations in high-value, multi-entity structures.
NQF Level 7 or higher qualification in Financial Management, Accounting, Credit Risk Analysis, or a related fieldTechnical / Professional Knowledge
Banking knowledge
Communication Strategies
Data analysis
Governance, Risk and Controls
Industry trends
Principles of financial management
Relevant regulatory knowledge
Relevant software and systems knowledge
Research methodology
Business Acumen
Behavioural Competencies
Coaching
Communication
Continuous Learning
Collaborating
Work Standards
Technical/Professional Knowledge and Skills
Please contact the Nedbank Recruiting Team
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